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Small business lending is where your processes
and systems must deliver quickly and efficiently in order to
compete. Your customers demand instant responses and superior
service while competition is intensifying and margins are shrinking.
Your front office operations must achieve unprecedented levels
of productivity in new originations and ongoing account management
by managing more information more quickly across many different
functions.
CapitalStream's FinanceCenter provides
a complete front office automation platform that gives
branch lending officers, call center personnel, credit
analysts, documentation managers, operations personnel
and executive management instant access to the customer,
credit, exposure, collateral and other information they need to respond
immediately and collaborate more efficiently. The entire front office
team knows who needs to do what and when.
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Whether applications originate from your
branches, website or call center, FinanceCenter gives
you the power to respond instantly with high
quality service and enforce consistency.
Regardless of entry point, the origination workflow
automatically retrieves all credit and
financial information, initiates credit decisioning,
creates required documentation and books the loan for
servicing. Data is entered and validated once and passed
with no re-entry of information using a single repository
that is shared across all channels, teams and functions.
Automatic document generation and integrated Web-based
delivery means customers have documents in hand before
they leave the branch or log off the website.
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Manage complex credit decisioning processes
that integrate advanced credit scoring analytics with
automated credit review and approval routing to support
rapid credit decisioning. Credit data is automatically
pulled from industry-standard consumer and business bureaus
including Experian, TransUnion, Equifax and D&B along with
Fair Isaac’s Liquid Credit®, reducing manual steps and
staffing requirements to a fraction of current levels.
Credit policies for each product, portfolio, or customer
may be based on any criteria, with automated approvals or
declines based on specific scoring rules and decision
strategies. Gray-area decisions are auto-escalated to the
appropriate credit analyst, with full visibility of
policy-based escalation criteria as well as overrides.
All decision overrides and the associated rationale are
tracked for subsequent retrieval and review.
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FinanceCenter provides instant access to
information with the click of a mouse to improve
collaboration and provide greater visibility across all
lines of business and product offerings. FinanceCenter
provides online Web-based access to loan documents,
customer and portfolio information, credit and exposure
data and associated decisions.
With flexible reporting and analysis tools combined with
integrated information, the front office team's productivity
is multiplied through the elimination of redundant data entry
and time-consuming searches. Customer-facing personnel work
with full access to product and customer information,
empowering them to identify and pursue opportunities for
cross selling and service enhancements.
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FinanceCenter streamlines and integrates
origination, credit adjudication, document generation,
account/risk management, compliance tracking, financial
analysis and workflow processing. Team members can review
and update information directly over the Web, with full
management visibility and oversight. The bottom line: your
front office spends more time generating new business and
less time re-entering data between documents, spreadsheets
and systems.
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Customer service takes on new meaning when your
front office has visibility into the entire small business
relationship across all products, systems and divisions.
The front office team can better identify ways to serve
customers and cross-sell products. Configurable business
rules automatically route transactions to the right person
on the right team at the right time, according to channel,
product, transaction size, credit score and other parameters.
FinanceCenter offers your small business finance operations
significant competitive advantage, providing your businesses
customers with financing instantly …as you manage risk more
effectively.
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All credit scores and ratings, approvals
and denial
decisions - along with the supporting rationale and
metrics - can be tracked to provide managers and credit
officers visibility to identify trends, potential risk
areas and new business opportunities. Decisions may be
tracked by scorecard, strategy decision-maker, borrower,
facility, line of
business, etc., with trends and key ratios calculated
automatically.
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FinanceCenter document management tools
put an end to
the inefficiencies of paper-based processes. The front
office team can focus on your customers' needs rather than
re-entering information into different systems or document
templates. All inbound and outbound documents are stored
electronically and updated automatically eliminating time
consuming searches and data entry errors. FinanceCenter's
online access to signed documents as well as change and
version tracking put an end to resource-wasting paper
shuffling and version-management issues.
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